Flood insurance is often not included in regular homeowners or business insurance policies. With almost 25% of all flood insurance claims coming from areas with minimal flood risk, it is also a coverage that should be considered for those in “low risk” or “no risk” areas.

“Flood damage can be extremely difficult for homeowners or businesses to recover from. It can impact everything from the building foundation to furniture and electronics. Our experts at ABS can help you find comprehensive coverage to fit almost any need, from a single-family home to an ag operation to a Mainstreet business – even for those in low to no risk flood areas.” - Brian Knoll, ABS Vice President.

The flood insurance offered through ABS provide federal (National Flood Insurance Program) and private coverage options. Private flood insurance is a great option to gain excess coverage for those in flood zones.

• ABS has a solution for residential flood insurance up to $250,000 for single and 2-4 Family Homes.
• Basic coverage can pay to repair or replace the insured building and its foundation, electrical and plumbing systems, central air conditioning, furnaces, water heaters, refrigerators*, stoves*, and built-in appliances*.
• Additional contents coverage is also available for items such as clothing, furniture, most electronic equipment, curtains, portable appliances, and some appliances.

*Some exclusions apply based on building type

Commercial Flood Insurance

• ABS has a solution for commercial flood insurance up to $500,000 for buildings, which covers repair or replacement and most installed improvements up to the coverage limit or the assessed replacement cost value of the building.
• Items typically covered are electrical and plumbing systems, central air conditioning, furnaces and water heaters, and flood-damaged interior and exterior finishes.
• Additional contents coverage is also available for inventory, merchandise, and machinery – especially beneficially for business owners who lease.